This page contains a list of financial and lending resources. These links provide information on financial health, first-time homebuyer programs, low interest rate loans, low down payment loans, and more.
$10,000 GRANTS FOR CLOSING COSTS: https://nphsinc.org/home-ownership-center/car-haf-closing-cost-assistance-program/
Financial Health
- Oak Valley Community Bank Financial Fitness Center: Nine FREE modules to help you understand your finances (Savings & Investments, Mortgages, Overdraft, Payment Types & Credit Cards, Credit Scores & Reports, Identity Protection, Insurance & Taxes, Financing Higher Education, and Retirement 101). Available in English and Spanish!
- AltaOne Financial Coaches: AltaOne Credit Union provides free online financial “coaching” tools for new and used car buying, identity theft, home buying, checking accounts, credit management, and more!
- How to Dispute Errors on your Credit Reports
Lending
- IRS Transcript: Request a copy of your IRS tax return transcript
- HUD: Fair Lending: Resources regarding fair lending practices
- HUD: Buying a Home: Resources for first-time homebuyers
- Should I Rent or Buy: Information and calculators to help you find the right situation for you
- HUD: Let FHA Loans Help You: Resources regarding FHA loans
- USDA: Guaranteed Mortgage Lenders: USDA offers low down payment, low interest rate loans through qualified lenders.
- USDA: 502 Direct Home Loans: Contact Mono County Rep, Robert Canepa for more information at (530) 885-6505 x114 or robert.canepa@ca.usda.gov
- California Housing Finance Agency: CalHFA offers a variety of loan programs to help you purchase a home in California
- Golden State Finance Authority: GSFA offers programs to help you purchase a home
- Federal Housing Administration (FHA): Information on government backed mortgages
- Veterans Home Loans: VA helps Service members, Veterans, and eligible surviving spouses become homeowners
- CalVet Home Loans: CalVet interest rates are intended to be below market to deliver an added benefit to our veterans
- Making Home Affordable: Assistance with an existing mortgage loan. Call 888-995-HOPE
Español
- Oak Valley Community Bank Gimnasio Financiera: Nueve módulos GRATIS para ayudarle a entender sus finanzas (Ahorro e Inversiones, Hipotecas, Sobregiros, Tipos de pagos y Tarjetas de crédito, Puntajes de crédito e Informes, Protección de la identidad, Seguros e Impuestos, Financiamiento de la Educación Superior, y de Retiro 101). Disponible en Inglés y Español!
- Acerca de Ser Dueño de Casa: Un centro de recursos le ofrece herramientas e información importantes
- El Departamento de Vivienda y Desarrollo Urbano: Información para compradores por primera vez
- La Agencia de Financiamiento de Vivienda de California (California Housing Finance Agency, CalHFA): tiene programas de asistencia con pago primero y hipotecarios de bajo interés